Both sides vulnerable.  
North deals.
                              NORTH
                              S: J 4 2            
                              H: Q 3         
                              D: Q 7         
                              C: A J 10 9 3 2
            WEST                             EAST
            S: 9 6 5                         S: Q 10 8     
            H: J 9 8                         H: K 6 2      
            D: J 10 9 6 5                    D: 8 4 3 2           
            C: 7 6                           C: Q 8 4       
                              SOUTH                         
                              S: A K 7 3 
                              H: A 10 7 5 4 
                              D: A K       
                              C: K 5    
                  NORTH    EAST    SOUTH    WEST                  
                   Pass    Pass     1H      Pass
                   2C      Pass     3NT     Pass
                   Pass    Pass     Pass
     Opening Lead: DJ
     West leads the jack of diamonds.  With seven top tricks and
sources for the additional tricks, it would appear that this is
an easy contract.  Entry problems, coupled with honor duplication
in the diamond suit, caused declarer to rely on the club finesse,
which lost, leading to the defeat of the contract.
     There are actually two lines that will work for declarer.
Both are improvements over the club finesse.  The first is very
straight forward.  Declarer wins the opening lead in hand and
plays the king of clubs followed by a small club to the ace.  If
the queen falls, the hand is essentially over.  If the queen does
not fall, declarer plays a third round of clubs and discards the
remaining high diamond from his hand.  The defense cannot pursue
diamonds without allowing the queen of diamonds to become an
entry to the long clubs.
     The second line of play is much more obscure but very
pretty.  Declarer wins the first trick in hand and plays the five
of clubs to the jack.  If the finesse loses (Could East possibly
refuse this trick?), declarer re-gains the lead and uses the king
of clubs as an entry to dummy (over taking with the ace), in
order to run clubs and secure the contract.  If the jack of clubs
holds, declarer plays the ace of clubs, smothering the king and
then the ten of clubs, discarding the remaining high diamond as
before.
     Remember to take a moment and consider all of your
alternatives before committing to a particular line of play.
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